Capture bank account details — without your agents ever hearing them
Bank Account Capture
Secure, automated, COP verified
How Bank Account Capture Works
Secure, automated bank details collection with tokenisation and COP verification built in.
Secure Tokenisation
We encrypt and tokenise bank details the moment they arrive. They never sit in your systems in the clear.
COP Verification
Confirmation of Payee checks the account holder's name matches before anything is stored.
Automated Processing
Automated workflows for bank detail collection and outbound payment processing.
Partner Integration
Direct integration with Acquired.com for bank account capture and outbound payments.
Bank Account Capture Services
We collect bank details and send outbound payments, both automated. The platform captures the details, runs Confirmation of Payee, and tokenises them. Your team never touches the data.
Bank-Level Security
Built to PCI DSS Level 1 standards, so your customers' financial data is protected at every step.
Fully Customisable Bank Capture Forms
Build branded capture forms with full control over styling, your own fields, and the configuration options you need.
Complete Visual Customisation
Set the colours, fonts, borders and branding so the form looks like the rest of your business, not like ours.
Advanced Field Configuration
Add tick boxes, terms and conditions and extra fields, with rich text editing and validation built in.
Key Service Features
Bank account capture with solid security and straightforward integration.
Customisable Forms
Create tailored bank capture forms for consumer or business bank accounts with flexible field configurations and branding options.
API Integration
Embed bank capture forms directly into your business applications, allowing customers to securely add their banking details.
COP Verification
Confirmation of Payee (COP) verification is included as standard, ensuring account validation and reducing fraud risk.
Secure Storage
We capture, encrypt and store the details on our platform, and hand your system a token.
Automated Payments
API-controlled outbound payment processing using stored tokens, reference numbers, and amounts — no manual steps required.
Webhook Retry
Webhook retries are configurable, with failover so a failed transaction still gets delivered.
How Bank Account Capture Works
Bank Detail Capture
Your agent opens the Paytia portal, picks bank account capture and sends a secure form. The customer enters their sort code and account number, either on the phone keypad or in the form.
COP Verification and Validation
We check the sort code against the EISCD database and run modulus checks on the account number. Confirmation of Payee verifies the name matches. Then we encrypt and tokenise.
Outbound Payment Processing
We encrypt, tokenise and store the verified details. Your system gets tokens for Direct Debit setup, outbound payments or recurring billing through the API.
Delivered in Partnership with Acquired.com
Acquired.com is a European fintech built around payment processing and banking. They cover merchant acquiring, banking-as-a-service and payment technology across several markets.
Trusted Partnership
Their financial infrastructure plus our payment security work, in one place — automated bank detail collection and outbound payments, without stitching two vendors together yourself.
Example use case: automated rebate payments
Rebate-driven businesses (solar, energy, insurance claims)
A solar-rebate business handles hundreds of payment requests a month. Without us, here's the workflow. The customer fills in a claim form. They email or phone in their bank details. Operations staff copy those details into the payment system. A second person checks the transcription. The payment goes out on the next batch run. That's sensitive data on desks, in inboxes and in notebooks — and every human step is a chance to mistype a sort code.
With Bank Account Capture, the customer fills in a branded form that we host. We check it against Confirmation of Payee, tokenise it, and store it in our PCI DSS Level 1 environment. Your staff never see the account number. The payment still goes out when you trigger it — same workflow, none of the data.
What you save depends on the business, but the pattern holds. The manual capture-and-verify step disappears, and banking data stops sitting on operations desktops. In insurance, finance and utilities that lifts a real data-protection burden, and you don't have to rewrite the claims process to get it.
Data Protection and Compliance — We Handle the Burden
Your Systems Never Store Sensitive Banking Data
Compliance Benefits
Security Features
Business Benefits
You get automation, strong data protection and compliance handled for you. One platform covers both the capture and the outbound payments, so there's no second system to buy or maintain.
What Makes This Service Different
Automation
Reduces manual data entry significantly through automated bank detail capture and payment processing.
Data Protection
Your systems never store sensitive bank details — all data is encrypted and securely managed by Paytia.
Compliance Management
Built-in PCI DSS, GDPR, and FCA compliance reduces regulatory burden and audit requirements.
Unified Platform
Single integration provides both inbound bank capture and outbound payment processing capabilities.
Bank Account Capture Benefits
Here's what you get — secure, automated, and built to take the manual work out of collecting and paying out on bank details.
Automation That Works
Proven technology and tokenisation, put together to cut out manual work and the errors that come with it.
- Automated banking information collection
- Advanced COP verification built-in
- Secure tokenisation and storage
- API-driven customisation options
Data Protection
AES-256 encryption, secure storage, and tokenisation — your systems never hold raw banking data.
- AES-256 encryption protocols
- Secure tokenisation technology
- GDPR and PCI DSS compliance
- Audit trail and logging
Compliance Management
Automated monitoring keeps you on the right side of PCI DSS, GDPR and FCA requirements.
- Automated compliance monitoring
- Regulatory reporting features
- Data retention management
- Audit preparation tools
Unified Platform Benefits
One integration covers capture, Confirmation of Payee, tokenisation and automated payments. No patchwork of separate tools.
- Single API integration point
- Unified dashboard and reporting
- Workflow management
- Support services
Technical Implementation with Acquired.com
We built this on Acquired.com's payment infrastructure. You get secure, compliant tools for collecting bank details and paying out, and they scale with you.
Custom Forms
Customisable bank capture forms for all business types with full branding control.
COP Verification
Confirmation of Payee verification included as standard to reduce fraud.
Secure Tokenisation
Strong security and tokenisation so raw bank data never touches your systems.
Industry Applications
Bank account capture solutions designed for specific industry needs with compliance and security built in.
E-commerce and Retail
Take bank details securely for subscriptions, recurring billing and high-value orders.
- Subscription service setup
- Recurring payment collection
- Large purchase transactions
- Customer account management
Financial Services
Onboard customers and collect payments without the fraud risk that comes with handling bank details yourself.
- Customer onboarding processes
- Direct debit setup and management
- Loan and mortgage applications
- Investment account funding
Insurance and Healthcare
Collect premiums, settle claims and manage patient payments, all without holding the bank details.
- Premium payment collection
- Claims settlement processing
- Patient payment management
- Healthcare service billing
Property and Real Estate
Handle property transactions, rent and deposits with fraud prevention built in.
- Property purchase transactions
- Rental payment collection
- Deposit and security management
- Property management services
Frequently Asked Questions
How does bank account capture work with Paytia?+
Customers enter their bank details on a secure form. We encrypt and tokenise them straight away. Your systems only ever get a token, never the raw account number — so you're not storing sensitive financial data at all.
What is COP verification in bank account capture?+
Confirmation of Payee checks that the account holder's name matches the details given. It's included as standard, and it catches both typos and fraud.
How does Paytia ensure data protection for bank account capture?+
We use AES-256 encryption, tokenisation, multi-factor authentication and full audit trails, all to PCI DSS Level 1. Your systems never store the banking data.
Can I customise bank account capture forms?+
Yes. You control the branding — logo, colours and fonts — and you can add your own fields, tick boxes and terms and conditions.
How do I integrate bank account capture with my existing systems?+
Through our API. You can embed the capture form in your own applications, and push payment notifications, transaction data and customer records into your CRM or accounting software automatically.
What happens after bank account details are captured?+
We encrypt and tokenise them. Your system gets tokens it can use to trigger outbound payments through the API. The original bank details stay with us and never touch your systems.
Can I use captured bank accounts for recurring payments?+
Yes. Once the details are tokenised, you can use those tokens for recurring payments, scheduled payments or one-off outbound payments through our API.
What types of bank accounts can be captured?+
Both consumer and business accounts. Through our partnership with Acquired.com we cover the UK's main high-street banks and most building societies.
How secure is the bank account capture process?+
It runs to PCI DSS Level 1 standards — AES-256 encryption, tokenisation and multi-factor authentication. Everything in transit is encrypted, and the banking data never reaches your systems.
What compliance requirements does bank account capture help with?+
We handle PCI DSS Level 1, the GDPR data protection side, and FCA requirements. Because your systems never store the banking data, your audit scope shrinks and so does the work that goes with it.
Ready to automate bank account capture?
Join the businesses collecting bank details securely, verifying accounts with Confirmation of Payee, and paying out automatically.
“The flex licensing transformed our cost structure. We can scale our agents up or down instantly without worrying about fixed payment processing costs.”
All Clear Travel Insurance
Read the case study →Used by British American Tobacco · Howard Kennedy · CITB · Clinical Partners · Trinity Hall College
Since 2016
Building secure payments
PCI DSS Level 1
Highest certification
99.99%
Platform uptime
£400M+
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